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87 RYRIE HILL ROAD MICHELAGO NSW 2620

FARM FOR SALE

$1,650,000

Estimated Valuation

87 RYRIE HILL ROAD MICHELAGO NSW 2620 Property Photo
Bedrooms

3

Bathrooms

2

Car Space

7

Land Size

-

Year Built

-

Property Type

Farm

COMPARE LISTINGS
Added 12 hours ago
Listing Price

$1,550,000-$1,600,000

Listed By
Blewitt Properties - FYSHWICK

This expansive 103.7-acre rural estate in Michelago combines a substantial three-bedroom home with extensive agricultural infrastructure, making it perfect for serious hobbyists or livestock enthusiasts. The property features significant amenities including stables, pig yards, and multiple dams, alongside an inviting in-ground pool and spacious living areas.

Description

Set amongst picturesque rural surroundings in Michelago, this substantial property offers a unique blend of country living and established infrastructure on approximately 103.7 acres. The residence is a classic style home featuring three bedrooms, two bathrooms, and significant parking capacity with multiple garages and carports. The interior layout includes separate formal lounge and dining rooms, alongside a spacious family room with vaulted timber ceilings and a large open fireplace. The kitchen is functional but shows an older aesthetic, featuring white cabinetry, stainless steel appliances, and a walk-in pantry. While the home offers generous space, the style and finishes suggest it may require modernization to suit contemporary tastes.

The master suite provides a parents' retreat area with an ensuite and walk-in robe, while two additional bedrooms feature built-in robes. The property is heavily focused on rural utility, boasting approximately 10 paddocks, cattle yards, pig sheds, stables, a large chicken coop, and two dams. A bore supplies gravity-fed tanks for the property, supplemented by multiple rainwater tanks servicing the home.

Outside, the grounds include established gardens, a tree-lined driveway, and an in-ground swimming pool with a brick surround. The home features wide verandahs extending across the front and rear, providing ample outdoor living space. With infrastructure supporting livestock and hobbies, this property is ideal for buyers seeking privacy, acreage living, or a productive rural holding.

Property Style & Condition

Overall
standard
fair
Condition
Exterior
traditional
good
Condition
Livingroom
standard
fair
Condition
Bedrooms
standard
fair
Condition
Kitchen
outdated
fair
Condition
Bathroom
standard
fair
Condition
Yard
landscaped
good
Condition

Key Features

103.7 acres (approximately 42 hectares)
Three-bedroom residence
Two bathrooms
Approximately 10 paddocks
Cattle yards and pig yards/shed
Stables and yards
Large chicken coop
Two dams
Bore supplying gravity-fed tanks
Multiple rainwater tanks
In-ground swimming pool
Tree-lined driveway
Formal lounge and dining room
Separate lounge with large open fireplace
Open-plan kitchen and family room
Walk-in kitchen pantry
Slow-combustion wood fire
Main bedroom with walk-in robe, ensuite, and retreat area
Two additional bedrooms with built-in robes
Wide front and rear verandahs/entertaining areas
Two garages and two carports
Three-bay machinery shed with cool room

Specifications

Property Details
Property Type Farm
Stories 1
Parking Type attached garage, detached garage, carport, driveway
Construction brick
Windows double pane
Gas lpg gas
Internet nbn
Location & Setting
Setting rural
Lot Position corner lot
Views valley
Nearby Amenities
Near parks
Rental Information
long term rental only

Exterior

pool
deck
timber deck
verandah
fenced yard
mature landscaping
garden
rainwater tank
outdoor shower
shed
carport
water tank
bore water
driveway
rainwater collection

Indoor

open floor plan
vaulted ceilings
cathedral ceilings
fireplace
tile floors
carpet
walk in closet
pantry
walk in pantry
primary suite
ensuite bathroom
ceiling fan
dishwasher
heat pump
split system
none
single story
Listed on 25 Aug 2026

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    Property     MICHELAGO     LGA

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MICHELAGO Statistics

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Safety Rank

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Victimization Probability

Violent Crime Chance 1 in X
Property Crime Chance 1 in X
State Average (Violent) 1 in 84

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1 The Property

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2 Your Situation

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3 Costs & Assumptions

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Interest on the borrowed deposit is also tax-deductible and is added to your gearing position. Your true out-of-pocket cash is reduced by whatever portion you borrow.
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Ownership structure & income splittingSole, joint (split income), company or trust?
A negatively geared property usually works best held by the higher earner; a positively geared one benefits from being split to the lower earner. This is general information only.
Land tax (NSW)Annual holding cost on combined land value over the threshold.
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NSW 2026: nil up to $1,075,000 combined land value, then $100 + 1.6% of the excess, rising to $88,036 + 2% premium rate above $6,571,000. Computed land tax replaces the figure in section 3.
Cash buffer & risk capacityCould you survive vacancy, rate rises and repairs?
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Calculating…Verdict ?
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Your take-home profit over — yrs ?
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rent cash flow + capital gain − all costs & tax
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net rent + unrealised equity gain (no sale, no CGT yet)
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Comparing Common Investments ?
What this shows
Property value (grey bars, left axis) is the projected market value each year using your capital-growth assumption. The capital profit if sold line (coral, left axis) is the money you'd actually walk away with that year after repaying the loan, paying selling costs, paying CGT, and getting back the cash you put in. The rent collected line (teal, right axis) is gross annual rent received, grown at your rent-growth assumption.
What this shows
Three views of how the position evolves year by year. Property value (dashed) shows the asset growing at your capital-growth rate. Equity (coral) is value minus loan balance — how much of the property you actually own. Cumulative cash flow (teal) is the running total of all after-tax rent (positive) or top-ups (negative) you've put in since day one.
What this shows
The yearly cash position after every cost and tax effect. Green bars = positive years (the property paid you). Red bars = years you had to top it up from your pocket. This is the most honest picture of what holding the property feels like on a year-to-year basis.
What this shows
Where every dollar of the projected sale price goes. Net to you is what lands in your bank account; the rest is consumed by loan payout, selling costs and capital gains tax. The CGT slice depends on which regime applies (50% discount, indexation + 30% min tax, or a split of the two).

What this shows
How fragile your outcome is to the capital-growth assumption — the single biggest swing factor in any property forecast. Each point on the line re-runs the entire model at a different growth rate. Where the line crosses the dashed zero, that's roughly the growth rate needed just to break even over your hold period.

What this shows
The same upfront cash invested four different ways, held the same number of years. The property includes all rent, costs, tax and the final sale (after CGT and loan payout). The ASX 200 ETF compounds at its assumed total return; the gold line compounds at gold's long-run average; the inflation line is what you need to just preserve your purchasing power. Any year the property bleeds cash, that shortfall is invested in the comparison asset too (so they get the same total dollars over the life of the deal). Gains on the comparison assets are taxed under the same 2026-Budget CGT regime that applies to shares and ETFs — the transitional split (50% discount on the pre-1 Jul 2027 portion, then cost-base indexation + 30% minimum tax on the post-1 Jul 2027 portion), since non-property assets are never grandfathered.
What this shows
The full year-by-year ledger. Cash flow is pre-tax (rent minus all cash costs); tax effect is the value of any deduction or the tax bill on net profit; after-tax is the actual dollars in or out of your account that year. Cumulative is the running total.

About this model

Reflects the 2026 Federal Budget proposals (announced 12 May 2026): from 1 July 2027, negative gearing on established residential property bought after 7:30pm 12 May 2026 can only offset rental income / residential property gains (excess losses carry forward), and the 50% CGT discount is replaced by cost-base indexation plus a 30% minimum tax on the real gain accruing after 1 July 2027. The CGT change applies to all CGT assets (shares, ETFs, gold, crypto), not just property, so the comparison assets are taxed on the same basis. New builds retain full negative gearing and the choice of the 50% discount. Properties contracted on/before 12 May 2026 are grandfathered. The main residence, superannuation funds and widely-held trusts are exempt. These are proposed rules that may change in legislation. Resident tax rates 2025–26 are used (incl. 2% Medicare levy). This is general information, not financial, tax or legal advice — consult a licensed adviser before acting.
Purchase Cost Calculator

The True Cost of Buying this Property

Beyond the sale price, Australian property buyers face stamp duty, legal fees, inspections, loan charges and more. Adjust the purchase price and your state to see the full picture.

Purchase Price
$850,000
AUD
$100K $5M
Property State
Your Situation
Total Additional Costs
On top of the $850,000 purchase price in NSW
Extra Costs
$52,000
All-In Cost
$902,000
% of Price
6.1%
How these figures are calculated

Stamp Duty (Transfer Duty): Calculated using each state's 2024–25 residential transfer duty brackets for owner-occupiers. First home buyer concessions and investor surcharges are applied where selected.

Lenders Mortgage Insurance (LMI): Estimated at approximately 1.5–2.5% of the loan amount, assuming an 85% LVR. Actual LMI depends on your lender, LVR and loan size.

Conveyancing / Legal Fees: Typical range of $1,500–$3,000 covering contract review, searches and settlement. We use a mid-range estimate.

Building & Pest Inspection: Typically $400–$800 combined for a standard residential property.

Loan Application & Mortgage Registration: Includes bank application fees ($300–$600), mortgage registration (state-based, usually $150–$230) and transfer registration fees.

Council & Water Rate Adjustments: Estimated at around 0.1% of the purchase price — the buyer typically reimburses the seller for pre-paid rates.

These estimates are indicative only. Always confirm exact figures with your conveyancer, broker and the relevant state revenue office before committing to a purchase.

Mortgage Calculator

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Buyer Fees Calculator

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Disclaimer: This calculator provides estimates only based on standard published rates for 2025-26. Actual stamp duty may vary based on individual circumstances, concession eligibility, and contract dates. LMI is a rough estimate only — actual premiums vary by lender, LVR, and loan size. Always verify with your state’s revenue office and seek professional advice before purchasing.

Mortgage Affordability & Borrowing Capacity Calculator

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Disclaimer: This calculator provides an estimate only and does not constitute a quote or loan approval. Calculations are based on standard APRA guidelines (including a 3.0% interest rate assessment buffer) and 2025–26 Australian resident tax rates. Lenders may apply their own specific Household Expenditure Measure (HEM) rules, risk margins, and varying credit card assessment rates (typically 3.8% of the limit). Rental income is shaded to 80%. Always speak to a licensed mortgage broker or lender for an exact assessment.

Refinance Savings Calculator

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Disclaimer: This calculator provides estimates only. It assumes interest rates remain constant for the life of the loan and does not account for offset accounts or extra repayments. Refinance costs vary by lender and state (typically including a discharge fee, application fee, and government mortgage registration fees). If your loan balance is above 80% of your property's value, you may also be required to pay Lenders Mortgage Insurance (LMI) when refinancing. Always seek professional financial advice.

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